[ 487 ] Economics GED ® TEST SOCIAL STUDIES FLASH REVIEW Use the excerpt below, from 15 U.S. Code 1692c: Communication in Connection With Debt Collection, to answer the following three questions. a) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court . . . a debt collector may not communicate with a consumer in connection with the collection of any debt–– (1) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer . . . a debt collector shall assume that the convenient time for communicating with a consumer is after 8 o’clock antemeridian [A.M.] and before 9 o’clock postmeridian [P.M.], local time at the consumer’s location; (2) if the debt collector knows the consumer is represented by an attorney with respect to such debt . . . or (3) at the consumer’s place of employment if the debt collector knows or has reason to know that the consumer’s employer prohibits the consumer from receiving such communication. (b) Communication with third parties Except as provided in [another] section of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court . . . or as reasonably necessary to effectuate a . . . judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. (c) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except— (1) to advise the consumer that the debt collector’s further efforts are being terminated; (2) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or